Inclusão financeira: um estudo com beneficiários de microcrédito

Abstract

This study addresses the financial inclusion from the Crediamigo beneficiaries’ perspective. For this, has as goal to evaluate the Crediamigo adequacy to the financial inclusion dimensions from beneficiaries’ perspective. The dimensions included in this study are the Access, Use, Quality and Financial Education. To give a theoretical basement to the research, it was done a bibliographical study speaking about the financial inclusion, the microcredit and the program Crediamigo of Banco do Nordeste. The methodology utilized consists in a field study with a quali-quantitative approach. The data collect was done by questionnaires applications with the clients of the Crediamigo from Pentecoste. After the results analysis was possible to conclude that, as to Access, the program has been making the microcredit more accessible to the people excludes from the formal financial system, but lacks of adjustments to promote a more convenient access to the beneficiaries. What could occur through increase use of electronic channels. As to the Use, has been looking to enable it with the adequate resources to this profile of clients. Regarding the Quality, the inclusion is happening with a good level of quality, however, with a necessity to get better, mainly, on the impact done in beneficiaries’ budget so that they can enjoy the financial system in a balanced and advantageous way. And about the Financial Education, that is a point the needs to get better considerably so the clients can use the credit in a consciously and safe way. Therefore, it was possible to noticed that the program are aligned with the financial inclusion guidelines, however, needs adjustments to make its beneficiaries more accessible and consciously included.